First Federal Savings Bank
Rochester, IN · Cert 31516 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · American MW Financial Corp.
State savings bank · OCC · 6 branches
Q2 2026
$686.6MAssets
$594.0MLoans
$540.4MDeposits
$63.2MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
- Widest gap: total risk-based capital ratio trails 98% of banks under $1B in assets operating in a single state (rank 729 of 746).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.97%
Rank 422 of 746
Net Interest Margin
3.09%
Rank 588 of 746
Efficiency Ratio
75.61%
Rank 562 of 746
Equity / Assets
9.20%
Rank 532 of 746
Non-interest income vs. expense
Unfavorable gap of $13.7M · efficiency ratio beats 25% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.97% | 0.72% | 1.06% | 1.45% | Beats 43% | 422 / 746 | | |
| Return on Equity | 10.55% | 6.74% | 10.51% | 13.63% | Beats 50% | 371 / 746 | | |
| Net Interest Margin | 3.09% | 3.17% | 3.68% | 4.16% | Beats 21% | 588 / 746 | | |
| Efficiency Ratio | 75.61% | 55.74% | 64.58% | 75.47% | Beats 25% | 562 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.94% | 0.09% | 0.42% | 1.07% | Beats 29% | 529 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 9.31% | 11.55% | 13.75% | 17.60% | Beats 2% | 729 / 746 | | |
| Total Risk-Based Capital Ratio | 9.31% | 11.71% | 14.33% | 18.43% | Beats 2% | 729 / 746 | | |
| Equity / Assets | 9.20% | 8.90% | 10.51% | 13.06% | Beats 29% | 532 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 109.91% | 61.31% | 78.27% | 90.78% | 97th pctl | 24 / 746 | | |
| Loans / Assets | 86.51% | 53.60% | 66.97% | 76.08% | 97th pctl | 23 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |